Top 4 Methods to Access Your Credit Rating

Many people don't realize that multiple credit scores exist. Credit bureaus generate your score based on the details in your credit reports. Wondering how to find out your credit score? There are three primary credit reporting agencies. Keep in mind, scores can differ between agencies if their reports contain varying information. Additionally, these agencies typically charge a fee for providing your credit score.

More recently, obtaining your credit score has become easier and often free. You can check it through your credit card issuer, lender, or even nonprofit credit counselors.

Here are some effective ways to check your score:

Seek assistance from a nonprofit credit counselor Reach out to HUD-approved housing or nonprofit credit counselors who can help you obtain your credit report and score at no cost. They can also review your credit score and advise on ways to improve it.

Review your loan or credit card statements Many lenders provide your credit score as part of your monthly statement. You can also access your score by logging into your online banking or credit account.

Visit credit bureau websites Several online platforms advertise free credit scores. Most are funded through advertisements, making the service free of charge. Be cautious, as some sites may require a subscription or offer free trials, which could lead to charges if not canceled timely.

Buy your credit score You can directly purchase your score from credit bureaus' websites. Some sites also offer educational credit scores, which are similar to lender scores. While they are often close, differences can exist that may matter for some.